hired & non-owned auto

Hired & Non-Owned Auto

Our Hired & Non-Owned Auto program was designed specifically to provide auto liability and excess liability insurance coverage to pizza and food delivery and couriers. The program is underwritten by a national non-admitted carrier.

Target Risks

Food Delivery

  • Pizza Delivery
  • Fast Food Delivery (Burgers, sandwiches, chicken, Mexican food)
  • Restaurants delivering their own food
  • Caterers

Food Couriers

Services that hire drivers as employees or Independent Contractors that have a Hired & Non-Owned Auto coverage exposure - we have the program to cover that exposure! 

Limits available

  • $100,000 to $5,000,000

We can write umbrellas and excess coverage over other H&NOA carriers

States Available

  • All states except CT & OK

A.M. Best Rated "A IX" Carrier

Low deductibles or SIR's available